Saute oil in a cast iron skillet. Any heavy bottom wide pan would work well too! Add cumin seeds and wait for it to form aroma and deepen the color.
Add chopped serrano and minced garlic. Saute until the raw smell of garlic disappears.
Add chopped onions along with 1 tsp of salt. Mix well. Saute on medium/high heat for couple of minutes so onions are still crunchy.
Add chopped bell pepper and saute for couple of minutes.
Add corn kernel and saute for couple fo minutes.
Add sliced Zucchini and saute on high heat for 3-5 minutes or until they start to soften just a little, but still have a good crunch.
Add drained/washed black beans along with taco seasoning, red chili powder and cumin powder. Mix well.
Add tomato sauce/mild enchilada sauce. Mix well. Cook for 2-4 minutes until the sauce is hot. Taste for salt/spices, add more if desire.
Add ¼ cup mexican blend shredded cheese and ¼ cup spicy colby jack cheese. Mix well.
Sprinkle rest of the cheese on top and cover it until the cheese is melted.
Take it off the stove, sprinkle chopped cilantro and scallions.
Serve it hot with side of fresh avocado, lemon wedge, sour cream, salsa and some corn chips for crunch!